Purchase Originations
157
Median Total Costs
$4,225
−36.8% vs national ($6,680)
↑ $165 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$645
Median Lender Credits
$626
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 157 | 6.500% | $4,225 | $645 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 114 | 6.500% | $4,453 | #149 |
| New Jersey | 37 | 6.625% | $3,635 | — |
| Delaware | 3 | 6.500% | $3,710 | — |
| Florida | 3 | 6.125% | $5,257 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,452 | 6.625% | — | 1 | −$1,773 | |
| 2 | $3,408 | 6.375% | — | 9 | −$817 | |
| 3 | $3,488 | 7.000% | — | 1 | −$737 | |
| 4 | $3,520 | 5.812% | — | 2 | −$705 | |
| 5 | $3,598 | 6.938% | — | 2 | −$627 | |
| 6 | $3,734 | 6.875% | — | 9 | −$491 | |
| 7 | $3,779 | 5.495% | — | 2 | −$446 | |
| 8 | $3,892 | 6.375% | — | 2 | −$333 | |
| 9 | $4,096 | 6.250% | — | 5 | −$129 | |
| 10 | $4,096 | 7.000% | — | 1 | −$129 | |
| 11 | $4,125 | 6.250% | — | 15 | −$100 | |
| 12 | $4,225 | 6.375% | — | 35 | +$0 | |
| 13 | $4,490 | 5.745% | — | 2 | +$265 | |
| 14 | $4,573 | 6.812% | — | 28 | +$348 | |
| 15 | $4,599 | 6.625% | — | 2 | +$374 | |
| 16 | $4,713 | 6.625% | — | 27 | +$488 | |
| 17 | $4,746 | 6.375% | — | 3 | +$521 | |
| 18 | $4,783 | 6.750% | — | 9 | +$558 | |
| 19 | $5,257 | 6.125% | — | 1 | +$1,032 | |
| 20 | $5,435 | 4.990% | — | 1 | +$1,210 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Police & Fire Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,225 | $7,127 | −$2,902 (−40.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.